13 things that your travel insurance doesn't cover

27 per cent admit that holiday plans have been changed or cancelled when their insurance cover is denied

However, it’s not just pre-exciting conditions that are taken into consideration.

Age is also scrutinised. Eighty-three per cent of travellers aged over 65 said they find it difficult to find an insurance provider if they have an existing medical condition.

Over a quarter of people that took part in the research explained that they had to turn to a specialist provider who, in turn, raise the premium.

As a result, 27 per cent admit that holiday plans have been changed or cancelled when their insurance cover is denied and 19 per cent refuse to declare their condition in order to keep cost down.

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Eighty-three per cent of travellers aged over 65 said they find it difficult to find an insurance pr

Colin Butler, Head of Travel Insurance at the Co-op commented: “It’s really quite worrying to think that people who find it difficult to get suitable travel insurance product are resorting to not declaring important details about their medical conditions or are ignoring travel insurance completely.”

GP and TV personality, Dr Dawn Harper, added: “A large population of the UK live with conditions such as diabetes and high blood pressure, the risks of which sadly increases with age.”

“However, many people in their 60s and over are still very active and want to live out their later years travelling.”

So what do travellers do if they can’t find affordable travel insurance?

• A third (32 per cent) now travel without having insurance in place

• A third (28 per cent) use specialist providers

• A quarter (27 per cent) changed their holiday plans

• A fifth (21 per cent) cancelled the holiday

• A fifth (19 per cent) took out insurance but didn’t declare their medical condition